1862 Key Largo Rd, Vista, CA 92081 Property Records

San Diego County property record for 1862 Key Largo Rd, Vista, CA 92081

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,518 sqft · built 1991
Lot Size	2.46 acres (107,173 sqft)
Owner	Individual Name on Record
Last Sale	$825,000 (May 2025)
Tax Bill	$8,564 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`217-591-03-14`

Property Details

APN / Parcel Number

Primary APN	`217-591-03-14`
Alternative APN	`2175900314`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,518 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Condo/Apartment
Lot Area	107,173 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2175900314
Street Address	1862 KEY LARGO RD
City	VISTA
State	CA
Zip	92081-7007
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPI
Legal Description	LOT 3 US 14PER DOCS90-497926&280560&UND INT IN TR 012459
Legal Subdivision	VISTA 89-07 PH 1
Legal Tract	012459
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1020
Census Tract	19810

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1862 KEY LARGO RD, VISTA, CA 92081-7007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC
Nov 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage RATE RABBIT HM LNS
Mar 29, 2018	Grant Deed, Transfer · Conventional Mortgage RATE RABBIT HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2025 · Amount on Record
Deed Sale	May 30, 2025 · Amount on Record
Prior Sale	Jun 11, 2021 · Amount on Record
Deed Document Number	2025144366
Prior Transfer Date	Sep 1, 2001
Prior Transfer Doc	0000081227
Record Updated	Oct 29, 2026

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 11, 2021
Property Address	1862 KEY LARGO RD, VISTA, CA 92081-7007
Document Number	0000432987
Map Reference	MAP 12459
Instrument Date	Jun 2, 2021
Instrument	2021-0432987
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4981 POSEIDON WAY, OCEANSIDE, CA 92056-7417

Mortgage

Document Number	0000432988
Date	Jun 11, 2021
Instrument	2021-0432988

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1862 KEY LARGO RD, VISTA, CA 92081-7007
Document Number	0000544382
Instrument Date	Nov 11, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1862 KEY LARGO RD VISTA CA 920817007, VISTA, CA 92081-7007

Mortgage

Document Number	0000544382
Date	Nov 22, 2019
Instrument	544382

Lender

Name	RATE RABBIT HM LNS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 29, 2018
Property Address	1862 KEY LARGO RD, VISTA, CA 92081-7007
Document Number	0000124213
Instrument Date	Mar 9, 2018
Instrument	124213
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$508.20
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1862 KEY LARGO RD VISTA CA 920817007, VISTA, CA 92081-7007

Mortgage

Document Number	124214
Date	Mar 29, 2018
Instrument	124214

Lender

Name	RATE RABBIT HM LNS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Vista City
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$841,499 (+20.53%) Land $413,617 Building $427,882
2025	$8,564.00 (+7.91%) Homeowner's exemption	$698,164 (+4.04%) Land $343,164 Building $355,000
2023	$7,936.00 (+0.24%) Homeowner's exemption	$671,056 Land $329,840 Building $341,216
2022	$7,917.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VISTA IRRIGATION DISTRICT serves 134,501 people · EPA ID CA3710027
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 564 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Cox Communications, Verizon.

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